| Metric | Golden State Bank | Peer median | Δ |
|---|---|---|---|
| Asset growth (YoY) | +8.9% | +5.5% | +3.5 pts |
| Deposit growth (YoY) | +8.6% | +5.1% | +3.5 pts |
| Loan growth (YoY) | +9.3% | +6.0% | +3.3 pts |
| ROA | 1.26% | 1.26% | -0.0 pts |
| ROE | 11.6% | 12.2% | -0.6 pts |
ROA ranks in the 50th percentile of its peer group · Q2 2026
| Quarter | Assets | Deposits | Loans | Equity | Net income YTD | ROA | NIM | Nonperforming |
|---|---|---|---|---|---|---|---|---|
| Q2 2026 | $1.00B | $856.6M | $846.8M | $109.0M | $6.1M | 1.26% | 4.31% | 0.71% |
| Q1 2026 | $974.3M | $828.3M | $812.6M | $105.5M | $2.8M | 1.18% | 4.35% | 0.73% |
| Q4 2025 | $953.5M | $811.1M | $809.8M | $102.5M | $10.1M | 1.11% | 4.04% | 0.75% |
| Q3 2025 | $927.6M | $800.2M | $783.8M | $89.8M | $7.5M | 1.12% | 4.00% | 1.26% |
| Q2 2025 | $918.1M | $788.9M | $774.8M | $86.8M | $4.7M | 1.06% | 3.97% | 1.28% |
| Q1 2025 | $887.4M | $758.3M | $749.9M | $83.9M | $2.0M | 0.93% | 3.92% | 0.19% |
| Q4 2024 | $836.8M | $717.1M | $700.0M | $81.7M | $8.8M | 1.11% | 3.88% | 0.06% |
| Q3 2024 | $826.8M | $710.1M | $686.7M | $79.3M | $6.5M | 1.11% | 3.85% | 0.06% |
Loan mix (Q2 2026): real estate $699.8M · commercial $144.5M · consumer $0 · securities $500K
| Ratio | Golden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Return on assets Annualized net income ÷ assets | 1.26% | 1.26% | 50th | |
Return on equity Annualized net income ÷ equity or net worth | 11.6% | 12.2% | 46th | |
Net interest margin Interest income − interest expense, ÷ assets | 4.31% | 3.70% |
Peer lists, growth filters, CSV export, CRM push.
Efficiency ratio Operating expense ÷ revenue — lower is leaner | 58.2% | 59.0% | 47th |
Non-interest income share Fees and other income as a share of total revenue | 00.0% | 00.0% |
Cost of funds Annualized interest expense ÷ deposits | 00.0% | 00.0% |
| Ratio | Golden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Loan-to-deposit Loans ÷ deposits (shares). Above ~90% needs funding; below ~60% needs loan demand | 00.0% | 00.0% | ||
Loans-to-assets How much of the balance sheet is lent out | 00.0% | 00.0% | ||
Securities-to-assets Investment portfolio as a share of assets | 00.0% | 00.0% | ||
Cash-to-assets On-balance-sheet liquidity | 00.0% | 00.0% |
| Ratio | Golden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Uninsured deposit share Deposits above the insurance limit ÷ total deposits. The first number a CFO has watched since 2023; above ~40% is high | 00.0% | 00.0% | ||
Brokered deposits Brokered deposits ÷ total deposits — bought funding, rate-sensitive | 00.0% | 00.0% | ||
Borrowings-to-assets FHLB advances, fed funds, repos and other borrowings ÷ assets. Rising = deposits aren't keeping up | 00.0% | 00.0% | ||
Securities losses ÷ capital Unrealized losses on HTM + AFS securities as a share of tier-1 capital. Above ~30% constrains what they can sell to raise cash | 00.0% | 00.0% |
| Ratio | Golden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Capital ratio Tier 1 capital (banks) or net worth (CUs) ÷ assets. NCUA well-capitalized line: 7% | 00.0% | 00.0% |
| Ratio | Golden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Nonperforming / delinquency Banks: nonperforming assets ÷ assets. CUs: 60+ day delinquent loans ÷ loans | 00.0% | 00.0% | ||
Net charge-off rate Annualized charge-offs net of recoveries ÷ loans | 00.0% | 00.0% | ||
CRE concentration Commercial real estate loans ÷ capital. Regulators flag banks above 300% | 00.0% | 00.0% |
| Ratio | Golden State Bank | Trend (8q) | Peer median | Peer percentile |
|---|---|---|---|---|
Assets per office Branch efficiency; high numbers usually mean digital-first | 00.0% | 00.0% |
The full ratio pack is part of CharterBench Pro.
3 branches in 2 counties across 1 state (+0 vs 2025) · $856.6M branch deposits. Biggest market: Los Angeles, CA, ranked 61st with 0.1% of deposits.
| County | Branches | Deposits | Share | Rank |
|---|---|---|---|---|
| Los Angeles, CA | 2 | $689.0M | 0.12% | 61st |
| San Bernardino, CA | 1 | $167.6M | 0.34% | 32nd |
California: 150th with 0.04% · Los Angeles-Long Beach-Anaheim metro: 76th, 0.09% · Riverside-San Bernardino-Ontario metro: 43rd, 0.16% ·
Branch count: 2022 3 · 2023 3 · 2024 3 · 2025 3 · 2026 3
Technology spend in line with peers (14 bps of assets, 2025). Pro shows the figures, trend and peer comparison.
Technology spend is part of CharterBench Pro — on every bank page, in the screener and in the account brief.
Banks itemize data processing on Schedule RI-E when it exceeds $100,000 and 7% of other non-interest expense; most community banks itemize at year-end only, so figures are full calendar years. Peer group: banks in the same asset band. Not available for credit unions (the NCUA call report has no comparable line).